specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Zeal
providerId: zeal-hq
created: '2026-07-01'
modified: '2026-07-01'
reconciled: false
tags:
- Payroll
- Embedded Finance
- Fintech
- Plans
description: >-
  Zeal is sold as an embedded payroll platform and prices via a sales-quoted
  contract rather than a public self-serve price list. The typical structure
  is a per-employee-per-month (PEPM) and per-contractor-per-month fee for
  active paid workers, layered on top of a platform / partner fee, with
  add-ons for features such as instant pay, paycards, and tax filing. Test
  Mode is free (no money moves and no per-worker charges); production usage -
  paid employees and disbursed wages - incurs charges. Exact rates are
  negotiated with Zeal sales.
notes: >-
  Zeal does not publish a public per-seat price. The PEPM / per-contractor and
  platform-fee structure below is representative of embedded payroll pricing
  and must be reconciled against a signed Zeal order form.
sources:
- https://www.zeal.com
- https://docs.zeal.com/reference/introduction
- https://www.zeal.com/pricing
plans:
- id: zeal-hq-test
  name: Test Mode
  type: free
  description: >-
    Full API access against simulated data. No payroll is run and no money is
    moved, so no per-worker or wage charges are incurred.
  entries:
  - label: Test Mode Access
    name: test_mode
    type: flat
    metric: contract
    limit: -1
    timeFrame: month
    geo: usa
    unit: 1
    price: $0 (no money moved)
    userMultiplied: false
  elements:
  - name: Companies
  - name: Employees
  - name: Contractors
  - name: Employee Check (Payroll Run)
  - name: Contractor Payments
  - name: Webhooks
- id: zeal-hq-embedded
  name: Embedded Payroll (Production)
  type: usage
  description: >-
    Production embedded payroll priced by active paid workers per month plus a
    platform fee. Rates are sales-quoted per contract.
  entries:
  - label: Per Employee Per Month (PEPM)
    name: pepm_employee
    type: usage
    metric: employees
    limit: -1
    timeFrame: month
    geo: usa
    unit: 1
    price: sales-quoted PEPM per active paid W-2 employee
    userMultiplied: true
  - label: Per Contractor Per Month
    name: per_contractor
    type: usage
    metric: contractors
    limit: -1
    timeFrame: month
    geo: usa
    unit: 1
    price: sales-quoted per active paid 1099 contractor
    userMultiplied: true
  - label: Platform / Partner Fee
    name: platform_fee
    type: flat
    metric: contract
    limit: -1
    timeFrame: month
    geo: usa
    unit: 1
    price: sales-quoted platform fee
    userMultiplied: false
  elements:
  - name: Payroll Runs
  - name: Contractor Payments
  - name: Tax Calculation and Filing
  - name: Reports
  - name: Funding and Journal
- id: zeal-hq-addons
  name: Add-ons
  type: usage
  description: >-
    Optional features layered on the embedded plan, priced per use or per
    enrolled worker. Availability and rates are sales-quoted.
  entries:
  - label: Instant Pay
    name: instant_pay
    type: usage
    metric: transfers
    limit: -1
    timeFrame: month
    geo: usa
    unit: 1
    price: sales-quoted per instant-pay transfer / enrolled worker
    userMultiplied: false
  - label: Paycards
    name: paycards
    type: usage
    metric: cards
    limit: -1
    timeFrame: month
    geo: usa
    unit: 1
    price: sales-quoted per enrolled paycard
    userMultiplied: false
  elements:
  - name: Instant Pay Wallet
  - name: Paycard Enrollment
- id: zeal-hq-enterprise
  name: Enterprise
  type: enterprise
  description: >-
    Volume commitments, dedicated support, and negotiated terms for
    high-volume embedded payroll partners. Contact Zeal sales.
  entries:
  - label: Enterprise Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: usa
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Custom Volume Pricing
  - name: Dedicated Support
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com